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Hi,
Thank you for your response. I will try your suggestion thank you.
Generally, if I do work through all the accounts that are already in collections, is it likely that my score will improve in the next year or two? (With bringing accounts in collection current, and bringing down their balances and making no more late or missed payments). Example, I bring all those current, pay down the balance, make on time payments. Out of all the accounts in collections, I pay off one or two at a time until I get to them all. Will this improve my credit any or will I have to wait until ALL collections account are paid off? I don't plan on acquiring any new cards and such, but I do plan on keeping the cards with no annual, and lowest interest open to continue building credit as I want to buy a house in the next 5 years.
For the accounts in collections, see if they will do a pay for delete but I recommend approaching them after you have the funds to settle the account in full. Make sure any agreements you make with the collection agencies you get in writing.